Re: Personal Capital For Credit Account Monitoring

I personally don't have experience with this service. I'm going to as the MODs to move this to General Credit forums in the hopes that someone there might be better able to answer your question better than the credit card forum. Good luck with your question.

Re: Personal Capital For Credit Account Monitoring

I use Personal Capital, but haven't used is specifically for credit card transaction management. Personal Capital is geared more towards financial (ie: investment) management in general. For other financial related tracking (banks accounts, CCs, etc) I would suggest Mint.com instead. With any transaction, you can split the transaction into different categories. For instance, if you bought groceries and birthday presents at Walmart at the same time, you can break the single transaction down for budget/tracking purposes. Hope that helps.

Re: Personal Capital For Credit Account Monitoring

I've used Mint and Personal Capital. While Mint has a lot of cool features, it does not work with all of my financial accounts and has a lot of bugs. Many of the issues I reported over a year ago are unfixed, and new issues have emerged. By comparison, anytime I use the "Send Feedback" button at Personal Capital, I notice that my problem is fixed within 2 weeks. I primarily use Personal Capital for tracking my net worth, when bills are due, and click on the accounts to glance at recently posted transactions. I don't use any of the transaction catgorization tools so I can't say how well they work.

Give both a try and see if you like them. Manilla and Finovera are other similar sites that I would recommend for tracking bill due dates, but they emphasize downloading and saving your account statements and documents, as opposed to the transaction tracking of Mint and Personal Capital, or the budgetting of Mint. Finovera is a pretty new service, so they have a lot of things that aren't working perfectly yet, but I like it a lot and am glad to see how quickly they are improving.

As far as your questions about security, these sites are legitimate, have been around for years, and have not had any account info that I know of stolen over their years of existence. However, that doesn't mean it is impossible in the future. If it did occur, even though all of these sites claim to have bank level security and be ultra safe, my financial institutions have always been great about detecting unusual locations trying to access my accounts so I don't expect that I will have any problems in the future.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.